Looks like a solid cleric build bort. Anyway here's what i think after i read ur build, hope it helps: 1. no need to get 63 points in spellcraft, just 50 is ok. 2. with Legendary focus on necromancy and still not able to use heartbane it's kinda waste of getting 4 feats on necromancy focus and at the same time not even one of iof/girding/aegis at all. so personally i'd stick to human base and then start stats goes at: str:8 dex:14 con:10 int:14 wis:18 cha:8 con is 10 cuz u get +4 from anarch which makes up some loss. Drop the paladin lvl so u can use heartbane, using ranger lvl to replace it. so this way u'll have 2 more feats to spare( 1 from being human, 1 from ranger) use the 2 feats for luck of hero and legendery luck to make up the save loss from being non-paladin.
3. well, anyway a cleric without any of iof/girding/aegis isnot a smart choice especially in hell/elysium/aboleth. the point of IOF is +16 enchantment. the differernce between a +13 gmw and +!6 is not just 3 loss on ab/physical damage but which means u'll not be able to penetrate the hell mobs' damage reduction of /+15. that's a lot more damage output loss.
Thanks for your input Rain, Decided to stick with LSF Necro for now, swapping out Paladin for Ranger, going evil align (Heartbane, yay!) and still managing solid Fort and Will saves without LLOH, so i kept LSA Tumble (yay!)
I guess you could ditch Blooded, LSA Tumble and Epic Fort, leaving you with around 130 AC and 57 fort save, but gaining another Epic Spell Focus (Trans for Iof? Abjuration for Banishment and buffs?)... This is looking tempting. Thoughts?